Remember Who You Are.

PART I

WHAT HAPPENED

Around 1996 I noticed that my family was getting broker by the month and my fear level increased exponentially. When I had to pay the telephone bill with a credit card I knew we were in trouble. I knew that the entire credit card game was a scam due to my having read, back in 1990, a book called, Truth In Money by Theodore R. Thoren. I also knew from my study of A Course In Miracles (ACIM) that nothing is as it seems. Still, I didn't know what to do about the banks telephoning every day demanding ‘payment'. I detected, by the desperation in their voices, that at some subconscious level they also knew that I didn't really have to pay any credit card debt, I just didn't know how to remove myself from the ostensible obligation. If I had been truly obliged to pay credit card debt, these callers would have been kinder and just

asked when and how I might be able to send them part of what was ‘owing'. Their rage was the tip-off that they were bluffing. One day, as I was out running, I burst into tears and was forced to ask my Creator what to do. I knew, from A Course In Miracles that ‘God' would not put $50,000 on the kitchen table in the morning for me to pay the credit card bills. I also knew that my real problem was not the fact of the matter, rather, how I felt about it. As Krishnamurti said, There are no problems apart from the mind. If I could just change my mind about what seemed to be a problem I felt certain I could resolve it. So I found myself asking the Holy Spirit, et al, to change my mind about my circumstances. Seek not to change the world; seek only to change your mind about the world. - ACIM The next day a woman rang me requesting a session of Rapid Eye Technology (energy healing). Her anxiety was that the IRS had been confiscating her husband's veterans benefits to settle her ‘debt' with them. All I could tell her, from my years of studying $$$, taxes, etc. was, "You know there is no law compelling you to pay tax on your income." She DID know! I was delighted. I also told her, "If it makes you feel any better, you're not alone - the credit card banks think I owe them $40,000. I know that I don't

1. validation of the debt (the actual accounting);

2. verification of their claim against me (a sworn affidavit or even just a signed invoice); and,

3. a copy of the contract binding both parties.

I was to write, as soon as I received these three documents, that I would be happy to pay any financial obligation I might lawfully owe.
The banks can't validate the debt because they never sustained a loss; they can't verify any claim against me because I am not the NAME they are billing - more on this later. They can't produce a copy of the contract because one doesn't exist. What exists is an unenforceable unilateral contract. What the banks refer to as ‘your contract with us' is not a valid bilateral agreement since the four requirements of a lawful, binding contract were not met on the credit card ‘application', namely:

1. Full Disclosure (we are not told that we are creating the credit with our signature);

2. Equal Consideration (they bring nothing to the table, hence they have nothing to lose);

3. Lawful Terms and Conditions (they are based upon fraud); and

4. Signatures of the Parties (corporations can't sign because they have no right to contract as they are legal fictions). Credit cards are win/ win for the banks and lose/ lose for everyone else - it is the slickest con game on the planet.

My writing the letters worked for all but one account. The bank filed suit. I poured over all kinds of legal nonsense, none of which matters - how we handle banks now works beautifully, yet back in 1996, we were still fumbling - and so, since the card was in a NAME similar to that of my sons' father, the bank came after him. He did not want to go to court and since I regarded this as research, not to mention adventure, I went in his place. (If you're not living on the edge you're taking up too much space.) When the administrator (aka ‘judge') called his name, I stood up and said, "I'm here about that matter." A year previous I had used a similar tactic when I went to court over a ‘seat belt violation' and was promptly thrown into jail for stating that my name was nowhere on the ticket or the summons. Although I was accurate, I didn't know the next step. This time I knew what I was doing. The District Court ‘Judge' asked . . . continue reading




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